{"id":624,"date":"2022-06-16T05:33:09","date_gmt":"2022-06-16T05:33:09","guid":{"rendered":"https:\/\/scottharrislaw.com\/?page_id=624"},"modified":"2022-07-08T09:09:14","modified_gmt":"2022-07-08T09:09:14","slug":"foreclosure-defense","status":"publish","type":"page","link":"https:\/\/scottharrislaw.com\/foreclosure-defense\/","title":{"rendered":"Foreclosure Defense"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"624\" class=\"elementor elementor-624\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65c1362 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65c1362\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b85af0\" data-id=\"4b85af0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c980421 elementor-widget elementor-widget-heading\" data-id=\"c980421\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">What is a foreclosure and how can I stop it?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80c06d0 elementor-widget elementor-widget-text-editor\" data-id=\"80c06d0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">When you fall behind on your mortgage payments, after a period of time your lender may begin <\/span><a href=\"\/foreclosure-defense\/\"><span style=\"font-weight: 400;\">foreclosure actions<\/span><\/a><span style=\"font-weight: 400;\">. Your lender takes these legal steps as an attempt to either get you to pay what you owe or legally sell your property for what is owed to them.<\/span><\/p><p>If you fall behind on your mortgage payments long enough, you will most likely lose your home to foreclosure. The legal procedure of &#8220;foreclosure&#8221; permits a lender, or a future loan owner, to sell your home to satisfy a debt you owe.<\/p><p>To prevent a foreclosure from happening, seek advice from foreclosure lawyers that can provide you with legal advice on whether to take Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, or a Loan Modification.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27a4e11 elementor-widget elementor-widget-heading\" data-id=\"27a4e11\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Stopping Foreclosure Through Chapter 7 Bankruptcy\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-434a7e3 elementor-widget elementor-widget-text-editor\" data-id=\"434a7e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Bankruptcy Court accepts Chapter 7 bankruptcy forms. When you submit your Chapter 7 bankruptcy petition, schedules, and other paperwork with your local bankruptcy court, your Chapter 7 bankruptcy will begin. Bankruptcy documents expose your entire financial situation and include information such as<\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">monthly living expenses and debts<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">earnings<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The property you can keep or &#8220;exempt&#8221; your property<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chapter 7 trustee will sell the non-exempt property to paying creditors, and<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gifts, sales, and other property transactions that occurred up to ten years prior to the filing date are not included.<\/span><\/li><\/ul><p>The property you can exempt is determined by your state. Some equity in your home, car, clothing, household furnishings, a retirement account, and some instruments needed in your trade or business will almost certainly be protected.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17dd140 elementor-widget elementor-widget-heading\" data-id=\"17dd140\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Stopping Foreclosure Through Chapter 13 Bankruptcy\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56a5294 elementor-widget elementor-widget-text-editor\" data-id=\"56a5294\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Generally, people prefer Chapter 13 bankruptcy because they earn too much to pass the Chapter 7 means test, don&#8217;t want to lose their home or car after slipping behind on payments, or want to prevent wage garnishment and other collection strategies by repaying support arrearages or recent tax debt over a five-year period.<\/p><p>The next stages to Chapter 13 Bankruptcy are to figure out if you&#8217;re qualified, how much you&#8217;ll have to pay, and what obstacles you could experience during your plan.<\/p><p>Your foreclosure lawyer can walk you through the entire Chapter 7. Scott Harris has successfully helped hundreds of Oklahomans in similar situations keep their homes or work out a solution to avoid foreclosure, so they can move forward with their lives. These solutions might include loan modification, loan reinstatement, short sale, or deed-in-lieu.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c81415 elementor-widget elementor-widget-heading\" data-id=\"6c81415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What should I do when I receive a foreclosure notice?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f63f65 elementor-widget elementor-widget-text-editor\" data-id=\"5f63f65\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When a homeowner receives a foreclosure notice, the first thing they should do is consult with an experienced Oklahoma City foreclosure attorney. If you&#8217;ve received a foreclosure notice in the mail, you&#8217;re probably worried about your future, particularly the changes your family will have to make if you have to relocate.<\/p><p>The last thing you would want to receive after a foreclosure notice is a breach letter. If you are unable to make your mortgage payments, your lender may seek foreclosure action against you.<\/p><p>The procedure does not commence until a homeowner has been in arrears for more than 120 days. If you have received a &#8220;breach letter&#8221; from your lender, it means they&#8217;re going to start the foreclosure process against you. If you haven&#8217;t already contact Scott Harris Law for help. Your initial consultation is free. We will meet with you to discuss your situation and what options might be available to you. We can help you decide the best plan to move forward and begin to defend your rights as a homeowner.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1b0464 elementor-widget elementor-widget-heading\" data-id=\"b1b0464\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the foreclosure process in Oklahoma?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf9ae9d elementor-widget elementor-widget-text-editor\" data-id=\"bf9ae9d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Your lender must wait until you have been late for more than 120 days before bringing a complaint in court as part of a judicial foreclosure. <\/p><p>As part of a non-judicial foreclosure, your lender may be able to foreclose on your home without having to file a lawsuit.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56d1a28 elementor-widget elementor-widget-heading\" data-id=\"56d1a28\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Judicial Foreclosure\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5bc66a elementor-widget elementor-widget-text-editor\" data-id=\"e5bc66a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A judicial foreclosure occurs when a lender files a lawsuit seeking a court judgment authorizing a foreclosure sale. If you do not respond in writing. <\/p><p>If you choose to defend the foreclosure lawsuit, the court will review the evidence and render a decision. If the lender wins, the judge will issue a judgment and order the auction sale of your home.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7ee47d elementor-widget elementor-widget-heading\" data-id=\"f7ee47d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Non-Judicial Foreclosure\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2e7b96 elementor-widget elementor-widget-text-editor\" data-id=\"c2e7b96\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If the lender chooses non-judicial foreclosure, it must follow the state statutes&#8217; out-of-court procedures. After completing the necessary steps, the lender may sell the property at a foreclosure sale. Most lenders prefer the nonjudicial process because it is faster and less expensive than going to court.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de68d3c elementor-widget elementor-widget-heading\" data-id=\"de68d3c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are my legal rights as a homeowner?\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04c9f78 elementor-widget elementor-widget-text-editor\" data-id=\"04c9f78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Getting behind on paying your mortgage is stressful, serious, and requires immediate legal intervention to prevent foreclosure. The good news is you do have options and legal rights as a homeowner. <\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apply loss mitigation<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A nonjudicial foreclosure to a judicial foreclosure<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get notification of the foreclosure<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you&#8217;re in the military, you&#8217;ll have extra protection.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To avoid a foreclosure auction, pay off the debt.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Following the sale, redeem the property for a limited time<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acquire any leftover funds from a foreclosure sale<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-998d4bd elementor-widget elementor-widget-heading\" data-id=\"998d4bd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What can a foreclosure attorney do for me?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-635ec97 elementor-widget elementor-widget-text-editor\" data-id=\"635ec97\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Should you find yourself in this situation, you are probably wondering what your options are to stop foreclosure and work out a solution with the mortgage company. Scott Harris Law provides each of its clients the legal defense and strategies necessary to work with the court system, the bank\u2019s attorneys, and the mortgage company.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7feeb98 elementor-widget elementor-widget-heading\" data-id=\"7feeb98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get in touch with an experienced foreclosure defense attorney in Oklahoma\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ecb337 elementor-widget elementor-widget-text-editor\" data-id=\"4ecb337\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you&#8217;re having trouble getting out of debt or even making your payments, you&#8217;ve probably contemplated filing for bankruptcy relief. Receiving a foreclosure notice from your lender is complex, more so, obtaining a breach letter in the mail.<\/p><p>Depending on your circumstances, Chapter 7 or 13 bankruptcy may be a realistic choice for you. Furthermore, filing for bankruptcy can assist you to avoid having your house sold if it has gone into foreclosure, or at the very least allow you and Scott Harris, a reputable foreclosure attorney in Oklahoma, some time to strategize.<\/p><p>When you file for bankruptcy, an automatic stay goes into place, meaning that any attempts to collect debts or proceed with foreclosure must be put on hold.<\/p><p><span style=\"font-weight: 400;\">Contact our law office today. Scott Harris Law provides experienced foreclosure defense and <\/span><a href=\"\/\"><span style=\"font-weight: 400;\">bankruptcy services to Oklahomans<\/span><\/a><span style=\"font-weight: 400;\">\u00a0in all 77 counties and works diligently alongside its clients every step of the way to prevent foreclosure.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What is a foreclosure and how can I stop it? When you fall behind on your mortgage payments, after a period of time your lender may begin foreclosure actions. Your lender takes these legal steps as an attempt to either get you to pay what you owe or legally sell your property for what is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/pages\/624"}],"collection":[{"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/comments?post=624"}],"version-history":[{"count":25,"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/pages\/624\/revisions"}],"predecessor-version":[{"id":1027,"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/pages\/624\/revisions\/1027"}],"wp:attachment":[{"href":"https:\/\/scottharrislaw.com\/wp-json\/wp\/v2\/media?parent=624"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}